May 2019 Goals Update!

May 2019 Goals Update!

I made a big dent in my consumer debt this month, but I did transfer some savings to do it because (A) I had a large payment due and I would have had to incur interest if I didn’t pay it…I also changed my W4 allowances because apparently I have had 0 withholdings since I got this job 2017. That’s crazy! Each paycheck is now ~$100 more, which means I’ve freed up ~$200/mo for reducing that consumer debt.

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April 2019 Goals Update!

April 2019 Goals Update!

My consumer debt is finally *truly* on the decline, and as some of you may have seen in my Instagram stories last week, I’m almost to the point where I am finished with the “paying off each statement balance in a very particular order” merry-go-round. My reading list is still just as long as it was last month, because I’m falling down on the job.

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March 2019 Goals Update!

March 2019 Goals Update!

March and the beginning of April was hectic with my final of 3 bridesmaid adventures for 2019 consuming most of my free time. First, there was a shower, then a Bachelorette party in mid-March and finally the wedding the first weekend of April! It was all so much fun, but VERY expensive.

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February 2019 Goals Update!

February 2019 Goals Update!

February always sucks, but at least this year it was productive! Except for the reading books thing. My bedside stack is at least 6 books high right now. IT WILL HAPPEN. But not in February…

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The Time I Bought Amex Gift Cards with My Target Card: Desperate Money Hacks to Avoid Payday Lenders or Missing a Payment

The Time I Bought Amex Gift Cards with My Target Card: Desperate Money Hacks to Avoid Payday Lenders or Missing a Payment

This list is intended to be for temporary financial situations - like a government shutdown, for example, or the time between graduation and a job start date. This list is not specifically intended to be used as a general money management strategy, but frankly, if it helps you get current on your bills, have at it. I’m not going to judge you improving your situation if improving your situation right now would mean a 16% interest rate on a credit card vs a 300% APR on a payday loan.

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Surviving Semi/Unemployment: I Lived Off of My Credit Cards Because Spending an Emergency Fund is Actually Terrifying

Surviving Semi/Unemployment: I Lived Off of My Credit Cards Because Spending an Emergency Fund is Actually Terrifying

I know using credit cards will cost you money. And this may not be the solution for everyone, but it worked for me, and you shouldn’t feel ashamed if you’re facing some kind of paycheck interruption and you don’t want to (or can’t) rely on your emergency fund for any meaningful length of time. Do what you have to do to stay afloat.

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2018 was The Year of Mental & Physical Health. 2019 is The Year of...

2018 was The Year of Mental & Physical Health. 2019 is The Year of...

2018 was the year I committed to my mental and physical health, pretty much no matter the cost. It was the year of 2x/week personal training, weekly therapy, binging ER, and letting my brain rest when I wasn’t working on my blog or doing things with my people. The foundation is sustainable enough that I can build on it BIG TIME in 2019 without spending nearly as much money.

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2018 Recap: Champagne & Capital Gains is 9 Months Old! Blog, Money & Life Highlights

2018 Recap: Champagne & Capital Gains is 9 Months Old! Blog, Money & Life Highlights

Happy 2019, everyone! I’m looking forward to 2019, although I can’t believe it’s already here! 2018 seemed like it just started (and also like it was 85 years long…anyone else?) Can’t wait for new challenges and to build on everything I accomplished in 2018. The blog is nine months old, and I had lofty goals for the fourth quarter of the year, so let’s get to it to see how I did!

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Money Lessons I Learned From Friends: Chandler Bing

Money Lessons I Learned From Friends: Chandler Bing

One of the things I love about Chandler is his strong story arc. He learns to be in an adult relationship after he and Monica have their first fight and develops emotionally over the course of the show. He also ditches his corporate career near the end of the series to pursue something different, riskier, and more creative. And, of course, Chandler is a model of personal finance success.

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Money Lessons I Learned from Friends: Monica Geller

Money Lessons I Learned from Friends: Monica Geller

Monica serves as a romantic foil to Rachel’s absurd dating successes, reminding Rachel that sometimes when men say they’re going to call, they’re not actually going to call. She’s afraid she’ll never find a partner. She’s particular about…everything. And she’s almost always right. I relate to Monica a lot. And she learns (and teaches) quite a few financial lessons to which I certainly can relate, and I’m hoping you can too!

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Money Lessons I Learned from Friends: Joey Tribbiani

Money Lessons I Learned from Friends: Joey Tribbiani

Joey…I’m trying to find the words to describe this [guy] without being disrespectful. Joey doesn’t share food, but he does share his money with his friends when he has it (which is admittedly rare) and he learned a lot of money lessons the hard way.

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I Dreamed I Got Fired & Now I’m Fired-Proofing My Finances

I Dreamed I Got Fired & Now I’m Fired-Proofing My Finances

I woke up breathless. I reminded myself I hadn’t been fired. Then I had a moment of actual, non-dream panic. What if this is foreshadowing? Then it hit me as I was lying in my bed, surrounded by the many boxes I had not yet unpacked: I haven’t been fired, but if I lost my job, I’d be in a realll bad situation.

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Why the Fitness Line Item in Your Budget Should Hurt & How Much I Spend on Fitness

Why the Fitness Line Item in Your Budget Should Hurt & How Much I Spend on Fitness

To me, taking care of your body is the most important and ultimately beneficial part of any financial journey; thus, the cost of doing so outweighs any current savings you may gain by eliminating your gym membership bill.

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Three Ways I'm Reducing My Expenses with Basically No Effort

Three Ways I'm Reducing My Expenses with Basically No Effort

As I’ve mentioned before, I’m not frugal, and I don’t try to cut corners in literally every possible way in my life. But I do waste money, and no matter how much money you make, it never hurts to make a conscious effort to spend less in some areas to have more for other areas!

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